Credit Card Bill Payment Online| SprintOPN

Fintech

Mar 11, 2025

Credit card bill payment, The amount you pay to lower the balance on your credit card is known as your credit card bill payment. You can use an ATM, a bank branch, a phone, or the Internet to pay your credit card bill. Use convenient Online payment options like Internet Banking, iMobile Pay app, Scan to Pay, Click to Pay, Auto Debit, NEFT, ATMs, UPI, and Cash Deposit.

Table of Content

1. What is credit card bill payment in India?

2. Online Method to Pay Credit Card Bill

3. How do pay CC bills Online

4. List of banks for CC bill payment

5. The benefits of Credit card bill payment

6. The Offline Method to pay cc bill

7. Why pay the CC Bill on time?

What is Credit Card bill Payment in India?

Credit Card Bill payment, You will receive a monthly credit charge or statement if you use credit cards frequently. In addition to any past-due fees or internet charges, the credit card statement contains other information about the purchase. You can either pay the entire credit card bill or the minimum required payment, which is approximately 5% to 10% of the total outstanding balance if you have converted any transactions into EMIs or carried forward the outstanding amount. Any remaining balance is carried forward to the next month. Interest is assessed by the bank on that outstanding balance.

Online Method to Pay Credit Card Bill

The list below is the method through which user can Pay their credit card bills

1. Paytm Credit Card Bill Payment

2. Internet Banking

3. Online Fund Transfer through NEFT/RTGS

4. IMPS

5. BillDesk

6. Auto Debit Facility

How do pay CC bills Online?

Paytm Credit Card bills

1. Get Paytm from the App Store or Play Store.

2. Open the Paytm app and enter your mobile number.

3. You will receive an OTP after inputting your cellphone number; it may be generated automatically or you may need to manually enter it.

4. Select "Credit Card" from the "Bill Payments by BBPS" column.

5. Include a credit card that is connected to your cell phone number.

6. Complete the remaining steps to enjoy the convenience of paying your credit card bill.

Using your bank's app or net banking

1. Log in to your bank's mobile app or net banking

2. Go to the credit card section

3. Select the credit card you want to pay

4. Enter the amount you want to pay

5. Click Pay or Confirm

Using Google Pay

1. Open Google Pay

2. Tap Bills & recharges

3. Enter the first 12 digits of your credit card number

4. Verify your card number

5. Enter the amount you want to pay and your UPI pin

Select Auto-Debit

1. Choose whether to pay the minimum amount due or the total bill amount

2. Set a maximum amount limit for auto-debit

3. Click Confirm

Using NEFT

1. Open your online banking account and log in.

2. Select the "Funds Transfer" menu item.

3. click "Transfer to another bank."

4. Choose your beneficiary and credit card account.

5. Fill out the necessary information and agree to the "Terms and Conditions."

6. To complete the payment, double-check all the information and click "Confirm."

IMPS( Immediate Payment Service)

1. Enter your login information to access your account's mobile banking app.

2. After selecting "Bank Account," choose "IMPS."

3. Select the button labeled "Merchant Payment."

4. Give the necessary details, including your MMID, the biller's phone number, the credit card number, the billing amount, and the details of the bank account from which the money is to be transferred.

5. Once the information has been entered, click "Confirm" to complete the payment.

List of banks for CC bill payment

1. HDFC Bank

2. ICICI Bank

3. IDBI Bank

4. IndusInd Bank

5. Kotak Mahindra Bank

6. Axis Bank

7. Federal Bank

8. IDFC FIRST Bank

9. Indian Bank

The Benefits of Credit card bill payment

1. Avoid Late fees

2. Improve Credit Score

3. Save money on interest

4. Fuel Surcharge waiver

5. Limit increase

The Offline Methods of CC Bill Payment

Contacting Customer Service: You can pay your credit card bills by contacting the customer service numbers provided by some banks. To pay your credit card bill, you must call the customer service number if your bank account and credit card are issued by the same company.

1. Dial your bank's customer service.

2. The customer support agent will walk you through the credit card bill payment procedure.

3. As not all banks provide this service, please inquire with your bank about any customer care options for paying credit card bills.

ATM: You can pay your credit card bill by walking to the bank's ATM if you have a debit card from your bank or credit card provider.

1. Bring your debit card to the closest ATM.

2. Put your debit card into the device.

3. Select the option for "Credit Card Bill Payment."

4. To finish the transaction, adhere to the machine's instructions.

5. Branch Office of a Bank

6. You can pay your credit card bills in person by depositing cash at your bank location.

7. Provide your credit card information on the cash deposit slip.

8. Your payment will be processed once you provide the slip and cash at the desk.

Cheque: You can deposit a demand draft (DD) or check made payable to the credit card account at any bank branch or automated teller machine. The payment will be processed in three business days if the credit card issuer and the check are the same. In contrast to outstation checks, which require 12 to 21 days, if they are different, it will take about five working days.

1. Make a demand draft or check payable to your credit card account.

2. The back of the check should feature the credit card holder's name, contact information, and the 26-digit credit card number

Why pay the CC Bill on time?

You can save money and lower your credit score by paying your credit card bill on time and avoiding late penalties and interest charges.

Prevent late fines

1. If you fail to make the minimum payment by the due date, credit card companies may impose late fees.

2. Depending on your outstanding balance, late fines can range from a few hundred to several thousand rupees.

Prevent interest fees

1. Credit card firms use your annual percentage rate (APR) to calculate interest charges daily.

2. You can eliminate interest fees by paying your account in full each month.

3. Early bill payment can lower interest costs and your average daily balance.

Keep your credit score high

1. Maintaining a high credit score is facilitated by timely bill payment.

2. Credit bureaus get reports of late payments, which may result in a reduction in your credit score.

3. Your credit score will benefit from a lower credit utilization ratio, which is the ratio of your credit card balances to your credit limits.

Conclusion: CC Bill Payment

Credit card Building a strong credit history using credit cards is a wonderful idea, but it's crucial to avoid going overboard and accruing significant debt. It's preferable to skip a payment if you can only make the minimal amount due each month.

However, you will pay less in interest if you can pay down a larger portion of your card debt. You will benefit from the ease of a credit card as well as other advantages if you can manage to pay off your debt in full each month.

FAQs- CC-Bill-Payment

Q1. What is CC Bill payment?

One of the top international providers of e-commerce and payment processing is CC Bill. Although CC Bill is one of the biggest third-party payment processors, it does much more than just process payments. CC Bill is a platform for e-commerce that may boost your growing partnerships and offer professional support.

Q2. What is CC in payment mode?

A credit card is a type of payment card that is often provided by a bank and enables its users to make cash withdrawals or purchases of goods and services. As a result, using the card results in debt that must be paid back later. One of the most popular ways to pay people worldwide is with a credit card.

Q3. How do I pay my CC Bill online?

Log in to the net banking account through which you are going to pay the credit card bill. Add your credit card number as a beneficiary. Enter your credit card issuer's IFSC code. Enter the amount that you wish to pay to complete the transaction.

Q4. Why is it important to pay credit card bills on time?

Paying your credit card bill late can result in late fees and a higher interest rate. And if your payment is more than 30 days late, it could have negative consequences to your credit

Q5. How does CC billing work?

Your credit card billing cycle typically lasts 28 to 31 days. The number of days in each billing cycle can change but should be roughly one month.

Q6. Should I pay my CC in full every month?

Generally, it's best to pay off your credit card balance before its due date to avoid interest charges that get tacked onto the balance month to month

Q7. When should you pay CC bill?

The best time to pay your credit card bill is before your due date to avoid late fees and negative entries on your credit reports. And if you can swing it, pay your entire balance before the due date to avoid interest charges altogether.

Q8. Can I withdraw money from CC account?

Typically, you can withdraw a certain specific percentage of your credit limit as cash. For instance, at HDFC Bank, you can withdraw 40% of the credit limit as a cash advance.